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“Some traditional banks and credit unions are willing to provide small-dollar loans to people facing hardships,” House. But they have more options today to show their creditworthiness than ever.

Big Bank Mortgage Rates To guarantee a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan officer that your rate is locked. Application can be made by calling 877-303-1639, by applying online, or by meeting with a mortgage loan officer.

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